Sued by a Debt Collector

Just because you are sued by a debt collector does not mean you will lose. Whoever sues you must show it owns the debt and that you owe the debt.

Debt collector sue you? Find out your 5 options now….

The video above is quite comprehensive but we realize some folks prefer to read rather than watch a video so we have the transcript below.  Feel free to watch (or listen — the slides are not critical to understand the presentation) or read — whatever your preference is…. And I realize you may rather just pick up the phone and call us — feel free to do this by calling 205-879-2447 and we’ll be happy to chat with you.  You… (Read more)


Sued by Synchrony Bank? Discover your 5 options now (hint: 4 options do not include bankruptcy!)

Synchrony Bank files hundreds of collection lawsuits in Alabama every month — most if not all filed by the Rausch Sturm law firm out of Enterprise, Alabama.  I’m assuming you have been sued by Synchrony Bank if you are reading this.  You have five options when sued by Synchrony — and only one is bankruptcy.  And bankruptcy is hardly ever a good choice. But before we get into that, let’s see the big picture of what we’ll cover in this article:… (Read more)


How does the statute of limitations work in a debt collection suit? What does it stop collectors from doing?

Statute of limitations in debt collection suits — how does it work and what does it do for me? Statute of limitations (sometimes abbreviated SOL) is the time period a debt collector has to sue you.  If it goes beyond this time, it is too late and the suit can be easily defeated. But let’s clear up some confusion about the statute of limitations.  We often get a question like this: “What is the statute of limitations for a credit… (Read more)


Hired a scam debt settlement company and now you have been sued?

Debt Settlement or Adjustment or Validation Companies are Often Scams and Take Your Money and Let You Get Sued You are here because you either hired one of these (almost certainly) debt settlement scam companies or you thought about it.  Here’s what we will cover in this article: You do have options — actually five of them — when you are  sued What these debt settlement companies typically promise What these companies do in reality Why you got sued Can… (Read more)


Midland Funding collection lawsuits in Alabama in 2019

If you have been sued in an Alabama collection lawsuit by the debt buyer Midland Funding, you have a lot of company.  From January 1, 2019, to March 15, 2019, Midland Funding filed 3842 lawsuits in Alabama. That’s 3842 lawsuits in 74 days. Over 51 lawsuits a day — every single day of this year. And these lawsuits are filed all over the state — from Madison County in the northern part of the State to Jefferson County to Montgomery… (Read more)


What to do immediately if you are sued by Portfolio Recovery in Alabama

Let’s talk about the following when sued by Portfolio Recovery Associates: How do you know you have been sued? What are your deadlines so you don’t get a default judgment against you? What are your five options? Most important — what should you do right now?   Here’s how you normally know Portfolio Recovery Associates is suing you in Alabama: You get served by the sheriff or a private process server — they hand you the lawsuit papers. Or you… (Read more)